Dari E-Wallet Hingga Cryptocurrency : Analisis Inovasi Keuangan di Kalangan Gen-Z Berdasarkan Perspektif Hukum Islam

The development of financial technology (fintech) has given birth to many financial innovations. For the younger generation, especially gen-z, of course this is a supporting tool in everyday life. One real form of technological progress is the emergence of various digital financial services. This study is intended to review existing financial innovations from an Islamic perspective. The research method used is a qualitative research method, where data is obtained through literature studies. The results and discussion state that the use of E-Wallet can still be justified, while the use of pay-later is still debated because it contains elements of usury or fines. Cryptocurrency itself has not yet been found to be clear regarding its law, but the majority of scholars forbid it because of the elements of gharar (unclarity), and elements of gambling in its investment. However, if used in transactions, some scholars still accept it. Regarding other innovations such as Qurban, Sedekah and Zakat fitrah online, generally the law is permitted as long as the requirements for its validity can be met. However, most scholars recommend it offline or face-to-face.